At Ciolek LTD. Attorneys at Law, we understand that it may seem like the whole world is against you when facing a foreclosure. In this economy hard working people simply can't get ahead.  We work with people who have fallen behind in mortgage payments and are being harrassed by creditors. We know how hopeless the situation may seem.

You may be able to save your home.

Bankruptcy may be one option to save your home, but it's not necessary in every case. When the real estate market was hot, it wasn't uncommon for mortgage companies make mistakes and cut corners with their paperwork.  For example, Truth In Lending Act violations are not uncommon. These types of violations may enable the homeowner to recind the entire mortgage and obtain damages.  If the mortage company has made mistakes in your case, then we'll turn the tables on them and enforce your rights.

The bottom line is that we'll develop a plan to help get you back on your feet.  We'll determine whether bankruptcy or foreclosure defense is the way to go.  It's important to act quickly though because things move fast once the foreclosure clock starts ticking.  Don't wait to get help.  An early start can help us build stronger defense.  Call us today to set up a free consultation (419) 740-5935 or contact us online.